Owner Operator Insurance Requirements College Station, Texas
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Requirements College Station, Texas. We work with the top commercial truck insurance companies and will help you find affordable owner operators truck insurance.
We have a large network of commercial truck insurance companies College Station, Texas with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in College Station, Texas in place you will be insured by a financially stable commercial truck insurance company. This is important for many reasons. Contact JDW Truckers Insurance and our agents will review the reasons owner operators should choose their insurance company wisely. Not all owner operator truck insurance policy are created equally.
We will help you customize your owner operators trucking insurance policy to suit your needs and fit your budget.
From one application we can shop & compare commercial truck insurance rates for the top-rated commercial truck insurance companies for you. We will help you find the required commercial truck insurance coverages at affordable rates.
Here are some of the top 10 commercial truck insurance companies which offer commercial truck insurance quotes.
We know trucking and the commercial trucking insurance requirements
- Knight
- Trisura
- Berkley Prime
- Falls Lake
- Progressive
- Travelers
- Seneca
- Great Lakes
- Allied World
- Allianz
- Ace Hazmat
- ACE Fleet
- United Specialty
- Hudson Fleet
- Markel
- Chubb
- Tokio Marine
- National General
- Lexington
- AIG
- Great American
- ACE / Westchester
- NICO
- National Casualty / Nationwide
- Scottsdale Brokerage
- IAT
- Crum Forster
- Canal
- Northland
- USLI
- James River
- IFG – Burlington
- Penn-America
- Century
- Hallmark
- Carolina Casualty
- Protective
Auto Liability Insurance
- Your auto liability or primary liability will be the major cost for your trucking insurance policy. Although the FMCAS can only require $750,000 in most cases shippers will require $1,000,000 in primary liability insurance coverage before they will allow you to pick up loads.
- Primary liability insurance covers damages to third parties for bodily injury and physical damage to others property in the event of an accident.
Medical Pay
- In most cases this is a low cost add on to your primary liability insurance to cover medical expenses.
PIP – Personal Injury Protection
- Some states require this coverage and, in many cases, can reduce the need for Medical Pay.
- Personal injury protection (PIP), also known as no-fault insurance, covers medical expenses and lost wages of you and your passengers if you’re injured in an accident. PIP coverage protects you regardless of who is at fault.
Uninsured Motorist
- If you’re hit by a driver with no insurance…
- Uninsured motorist bodily injury (UMBI) may pay medical bills for both you and your passengers.
- Uninsured motorist property damage (UMPD) may pay for damage to your vehicle.
Underinsured Motorist
- If you’re hit by a driver with not enough insurance…
- Underinsured motorist bodily injury (UIMBI) may pay medical bills for both you and your passengers
- Underinsured motorist property damage (UIMPD) may pay for damage to your vehicle
Motor Truck Cargo
- MTC or Cargo insurance provides insurance on the freight or commodity hauled by a for-hire trucker. It covers your liability for cargo that is lost or damaged due to causes like fire, collision or striking of a load.
- If your load is accidentally dumped on a roadway or waterway, some cargo forms offer Removal Expenses coverage pays for removing debris or extracting pollutants caused by the debris. And can also pay for costs related to preventing further loss to damaged cargo through Sue and Labor Coverage and legal expenses in the defense or settlement of claims. Another option is Earned Freight Coverage to cover freight charges the customer loses because of an undelivered load.
- Cargo insurance deductibles can be set at $1,000, $2,500, $5,000 or even higher if you are self-insured.
- Cargo coverage limits are normally set at $100,00 but some shippers may have higher requirements depending on the cargo you are hauling.
- Cargo policies can have exclusions stating what cargo it will or will not cover.
Trucking Physical Damage Insurance (PD)
- Physical damage insurance coverages are designed to pay for losses to your equipment and damages to others equipment. (Others equipment must be listed on your policy).
- If you own or lease equipment. You may be required to have PD by bank or leasing company to carry a set amount of physical damage insurance and name them as a Loss Payee.
- PD can also cover damage to others equipment you are in possession of if the coverage is listed on your policy. An example would be non-owned trailer insurance coverage.
- Deductibles for physical damage range from $1,000 to $5,000.
- Required deductibles. If you have a loan on your equipment or it is leased. They bank or leasing company may have a minimum deductible you can have on your physical damage policy.
Excess Liability Insurance
- Excess liability can sometimes be called umbrella insurance.
- The excess liability policy sits on top of your primary liability policy.
- For example, if you have $1,000,000 in primary lability coverage and you have a claim which exceeds the policy limit of $1,000,000. In most cases that is all the insurance carriers will try to pay out for a claim.
- Excess policy coverage starts at $1,000,000 and go up.
- So, let’s say you say you purchased a $1,000,000 excess policy. Now if you have a claim that is $1,500,000. Your primary would pay the first $1,000,000 and your excess would pay the remaining.
General Liability Insurance for Truckers
- General liability insurance for truckers should not be confused with primary liability for truckers.
- Similar to primary liability. General liability offers coverages to pay for physical damage to other and/or bodily injury to others. BUT there is a difference between the two.
- For example, if you are loading or unloading and you cause injury to someone or their property this is when the general liability policy would respond.
- The actions of a driver while representing the insured and on the premises of others, such as loading docks and truck stops
- General Liability is normally offered $1,000,00 per occurrence and $2,000,00 aggregate. What does this mean?
- It the insurance company will pay up to $1,000,000 for any one claim and no more than $2,000,000 per year for the total of all claims.
- General liability can be required by shippers and other companies such as the UIIA and flatbed operations.
- If there is any chance you might be involved in loading or unloading. General Liability is relatively inexpensive and is an advised coverage.
Non-Owned Trailer Insurance vs Trailer Interchange (TI)
- Both are insurance coverages are designed to cover damage to others trailers.
- Deductibles for either can range from $1,000 to $5,000.
- Coverage limits for either can range from $25,000 and up depending on the requirements of the company and/or shipper freight you are hauling for.
The difference between Non-Owned Trailer coverage and Trail Interchange coverage
- Non-owned trailer insurance covers physical damage to the trailer only when attached to a truck. And no written agreement is place.
- Trailer Interchange requires a written trailer interchange agreement to be in place. It can provide protection when you have care, custody and control of one, or many, trailers. Whether the trailer is attached to your truck or not.
College Station is a city in Brazos County, Texas, situated in East-Central Texas in the heart of the Brazos Valley, towards the eastern edge of the region known as the Texas Triangle. It is 83 miles (130 kilometers) northwest of Houston and 87 miles (140 km) east-northeast of Austin. As of the 2020 census, College Station had a population of 120,511. College Station and Bryan make up the Bryan-College Station metropolitan area, the 13th-largest metropolitan area in Texas with 273,101 people as of 2019.
College Station is home to the main campus of Texas A&M University, the flagship institution of the Texas A&M University System. The city owes its name and existence to the university’s location along a railroad. Texas A&M’s triple designation as a Land-, Sea-, and Space-Grant institution reflects the broad scope of the research endeavors it brings to the city, with ongoing projects funded by agencies such as NASA, the National Institutes of Health, the National Science Foundation, and the Office of Naval Research.
College Station’s origins date from 1860, when the Houston and Texas Central Railway began to build through the region. Eleven years later, the site was chosen as the location for the proposed Agricultural and Mechanical College of Texas, a land-grant school. In 1876, as the nation celebrated its centennial, the school (renamed Texas A&M University in 1963) opened its doors as the first public institution of higher education in the state of Texas.
College Station’s population grew slowly, reaching 350 in 1884 and 391 at the turn of the century. However, during this time, transportation improvements took place in the town. In 1900, the I&GN Railroad was extended to College Station (the Missouri Pacific Railroad Company abandoned the line in 1965), and 10 years later, electric interurban service was established between Texas A&M and the neighboring town of Bryan. A city bus system replaced the interurban in the 1920s.
In 1930, the community to the north of College Station, known as North Oakwood, was incorporated as part of Bryan. College Station did not incorporate until 1938, with John H. Binney as the first mayor. Within a year, the city established a zoning commission, and by 1940, the population had reached 2,184.
The city grew under the leadership of Ernest Langford, called by some the “Father of College Station”, who began a 26-year stretch as mayor in 1942. Early in his first term, the city adopted a council-manager system of city government.
Population growth accelerated following World War II as the nonstudent population reached 7,898 in 1950, 11,396 in 1960, 17,676 in 1970, 30,449 in 1980, 52,456 in 1990, and 67,890 in 2000. The Bryan-College Station metropolitan area’s population crossed 270,000 people in 2018.
In the 1990s, College Station and Texas A&M University drew national attention when the George Bush Presidential Library opened in 1997. Attention was drawn again in 1999, when 12 people were killed and 27 injured when the Aggie Bonfire collapsed while being constructed.
In 2022, it became one of the first areas served by Amazon’s Prime Air drone delivery service, along with Lockeford, California.
College Station is south of the center of Brazos County at 30°36′5″N 96°18′52″W / 30.60139°N 96.31444°W (30.601433, –96.314464). It is bordered by the city of Bryan to the northwest.
According to the United States Census Bureau, the city has an area of 49.6 sq mi (128.5 km), of which 49.4 sq mi (128.0 km) is land and 0.19 sq mi (0.5 km), or 0.35%, is covered by water.
The local climate is subtropical and winters are mild with periods of low temperatures usually lasting less than two months, while summers are hot and humid.
Snow and ice are rare; most recently, College Station received 4.5 inches (11 cm) of snowfall on January 10, 2021.
Summers are hot and humid with occasional showers being the only real variation in weather.
Northgate is a mixed-use district north of Texas A&M University that features a combination of businesses, restaurants, apartments, churches, and entertainment. It is known for its eclectic mix of restaurants and bars. A large portion of the stores, bars, and restaurants in Northgate are frequented, patronized, and staffed by Texas A&M students. In total, the district spans about 145 acres (0.59 km), bounded by Wellborn Road to the west, South College Avenue to the east, the College Station city limits to the north, and University Drive to the south. The district is the home of the Dixie Chicken and of the first Texas location for the regional fast-food chain Freebirds World Burrito.
Northgate’s roots started in the 1930s as the city began enjoying rapid population growth from the influx of Texas A&M University students, professors, and their families. Realizing that proximity to the campus would be a boon for revenues, the first business district was established in College Station near the campus, taking its name for the closest on-campus landmark: the north gate. When the city was incorporated in 1938, its first City Hall was opened in the new district. In 1994, restoration efforts began to revitalize the ailing area. A four-day music festival, “North By Northgate”, was introduced in 1998 and has become an annual tradition, renamed the “Northgate Music Festival” in 2002. In 2006, the city council incorporated Northgate as a special tax zone to finance additional improvements and expansions.
Live music is a major draw to the Northgate area. Many well-known musicians, especially in the Texas country music scene, initially performed in the Northgate area. Notable names include Robert Earl Keen, Grammy award-winner Lyle Lovett, Dub Miller, and Roger Creager. The district is bisected to the north by Church Street, made famous by the Robert Earl Keen and Lyle Lovett duet “The Front Porch Song”.
Wolf Pen Creek District is a large commercial development adjacent to Post Oak Mall and between two of the city’s main commercial thoroughfares: Earl Rudder Freeway and Texas Avenue. The area consists of a greenway with trails, a $1.5 million amphitheater and entertainment area, a small lake, the Spirit Ice Arena, and is the home of the Arts Council of the Brazos Valley. The amphitheater has hosted a variety of musical events, including the annual Starlight Music Series, a concert series that starts in late spring and runs through late summer. Wolf Pen also has a sidewalk for a scenic run that when completed is about 1 mi (2 km).
Wellborn became a community in 1867 as a construction camp on the Houston and Texas Central Railroad. The town’s name has been attributed to a well at the construction camp, a foreman named E.W. Wellborn, or a landowner named W.W. Willburn. Also in 1867, a post office opened in the community under the name Wellborn Station. In 1870, the name was shortened to Wellborn. On April 14, 2011, the City Council of College Station voted 5–2 to annex Wellborn, thus making the community the Wellborn district. Wellborn is often mispronounced as ‘well-born’ but is pronounced by locals as ‘Well-burn’.
As of the 2020 United States census, there were 120,511 people, 41,682 households, and 20,487 families residing in the city.
As of the census of 2000, 67,890 people, 24,691 households, and 10,370 families resided in the city.
Of the 24,691 households, 21.0% had children under the age of 18 living with them, 32.2% were married couples living together, 6.8% had a female householder with no husband present, and 58.0% were not families. About 27.1% of all households were made up of individuals, and 2.4% had someone living alone who was 65 years of age or older. The average household size was 2.32 and the average family size was 2.98. The racial makeup of the city as of 2019 was 77.45% White, 7.74% African American, 0.30% Native American, 10.25% Asian, 0.08% Pacific Islander, 6.32% from other races, and 2.3% from two or more races. Hispanic or Latino of any ethnicity/nationality were 15.6% of the population.
In the city, the population was distributed as 14.4% under the age of 18, 51.2% from 18 to 24, 21.3% from 25 to 44, 9.4% from 45 to 64, and 3.6% who were 65 years of age or older. The median age was 22 years. For every 100 females, there were 104.3 males. For every 100 females age 18 and over, there were 104.0 males.
The median income for a household in the city was $21,180, and for a family was $53,147. Males had a median income of $38,216 versus $26,592 for females. The per capita income for the city was $15,170. About 15.4% of families and 37.4% of the population were below the poverty line, including 16.4% of those under age 18 and 7.7% of those age 65 or over.
The city of College Station has a council-manager form of government. Voters elect the members of a city council, who pass laws and make policy. The council hires a professional city manager who is responsible for day-to-day operations of the city and its public services.
The Texas Department of Criminal Justice (TDCJ) operates the Bryan District Parole Office in College Station.
The United States Postal Service operates the College Station and Northgate College Station post offices.
As of May 2008, the local unemployment hovered around 3 to 4%, among the lowest in Texas. This rate is largely attributed to the significant role the university plays in the local economy. However, underemployment is an ongoing issue.
Until its 2007 acquisition by Tavistock Group, Freebirds World Burrito had its corporate headquarters in College Station.
Post Oak Mall was the city’s first mall and is currently the largest mall in the Brazos Valley. The 82-acre (330,000 m) mall is home to 125 stores; its opening on February 17, 1982, helped create the impetus for growing economic and commercial developments for College Station. It is currently the largest taxpayer in College Station and the second-largest in the Brazos Valley, though the anchor stores are free-standing units that are privately owned and taxed separate from the mall proper. Over 75% of retail sales in the Brazos Valley come from sales at the mall’s stores.
The only full power local commercial television station is CBS affiliate KBTX, which also broadcasts a CW channel. Waco-based KCEN operates a semi-satellite low power NBC channel, KAGS providing local news, weather and sports. ABC affiliate KRHD and Fox affiliate KWKT air coverage originating in Waco. PBS affiliate KAMU, which is owned by Texas A&M University, is also based in College Station.
College Station is part of the Bryan-College Station Arbitron market #238.
The service area of Blinn College includes all of Brazos County. Blinn operates a campus in nearby Bryan.
Almost all of College Station is within the College Station Independent School District, while small sections are in Bryan Independent School District. College Station ISD operates two high schools: A&M Consolidated High School and College Station High School.
Students living in the portion of Bryan ISD located in the City of College Station are zoned for: Stephen F. Austin Middle School, and Bryan High School.
Easterwood Airport, owned by Texas A&M, is located 3 miles (4.8 km) southwest of the center of College Station and has flights to Dallas/Fort Worth International Airport.
The following people have lived or are currently living in College Station: